Back in 2005, the program reported that due to the Halifax's decision to switch basic bank account customers to Electron, they could no longer use it with a host of retailers such as Boots, M&S, B&Q, Argos - and Tesco. (Sainsbury + Asda do take Electron).

The Halifax's response was that 'as only 20,000 Cardcash customers regularly shop online, it does not consider this to be a huge problem'.